2. FDM
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  2. CEDEF
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Institution

Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
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Institution

Calvary Enterprise Development Foundation P. O Box MP 2468Mamprobi, Accra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Product

Credito Geral Product 2 of 3 « Prev | Next »

Product

Micro Enterprise Development Product 4 of 4 « Prev | Next »

Product Summary

Number borrowers2,864
Loan Amount (range)MZN 640 - 50,000
Loan Term (range)2 - 6
Other Services (text summary)Group Mtgs, Credit Ins, Tech Asst Visits
Annual Interest & Method60.0% annual, Flat
Fees25.00 upfront
Insurance1.00% upfront
TaxNone
Comp Dep10.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)0
Transparency Index (min/max)-1
Transparency Index (average)N/A

Product Summary

1,060
GHS 100 - 3,000
6 - 12
36.00%-0.00% annual, Flat
N/A
 
N/A
61.2% - 64.8% (Int+Fee)
0 - 3.6%
0
64.6% - 68.4%
0 - N/A
54

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 10,656,194
Portfolio (USD)USD 343,748
Active Clients with Loans2,864
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Othermedia dos grupos 4 pessoas, max.10 min 2, maioria ? individual
Description
Para pequeno comercio, consumo, pequenas industrias, servi?os
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other80% tem de ser mulher, tem de ser empres?rio ha pelo menos 6 meses ou ser salariado
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 363,510
Portfolio (USD)USD 242,340
Active Clients with Loans1,060
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credits in this category are to urgment the trading/working capital of loan beneficiaries\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 640
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size3,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest5.00%
Highest quoted nominal interest5.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa Administrativa
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min25
Fixed amount - max25
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEm caso de morte, para o credito n?·o ficar mal parado
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
A condi??·o para ir crescendo gradualmente e que tenha pago emprestimo anterior sem falha, e que o neg?cio tenha crescido. A pessoa ent?·o pode candidatar a aumento de 5%

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRisk Management Fund
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Credit with Education is mandatory for first time borrowers\r

Full Pricing Data

Credito Geral samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountMZN 1,280MZN 2,400MZN 4,600MZN 7,640MZN 15,000MZN 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-202011-02-222011-05-122011-08-102011-03-032011-08-10
Loan Term (Months)N/AN/AN/AN/AN/AN/A
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee ComponentDKDKDKDKDKDK
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)DKDKDKDKDKDK
Transparency Index-1-1-1-1-1-1
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Micro Enterprise Development samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 200GHS 500GHS 1,500GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-12-101900-01-002012-12-102012-12-15
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component61.2%61.2%64.8%63.5%
Insurance Component3.4%3.4%3.6%3.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)64.6%64.6%68.4%67.0%
Transparency Index56565354
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credito Geral Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeFDMInstitutionMZ-009-V01-P02ProductMZCountry2012YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)Full APR (int fee ins tax dep)> 50020030Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Micro Enterprise Development Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCEDEFInstitutionGH-012-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 50020020Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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Less or equal to:
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Total Borrrowers of Samples
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By Country

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